Electronic system for combination of temporal resource activity data and resource transmission

ABSTRACT

Embodiments of the present invention relate to, in general, combination of temporal resource activity data and resource transmission. Typically, a system configured to concatenate time dependent sequential activity data structures such that resource transmission for an impending resource activity may be performed at an antecedent resource activity associated with the sequential activity data structures, is provided. In some embodiments, based on analyzing a trigger signal, the system is configured to identify a first resource activity initiated by the user. The system may then modify the first resource activity at the first networked device, in order to link a second resource activity with the first resource activity such that the second resource activity is initiated concurrently with the first resource activity prior to the second time interval associated with the second resource activity.

CROSS-REFERENCE TO PRIORITY APPLICATION

This application is a continuation application of co-pending U.S.Non-Provisional patent application Ser. No. 16/883,432, filed on May 26,2020 entitled “Electronic system for combination of temporal resourceactivity data and resource transmission” published as U.S. PatentApplication Pub. No. 2021/0377350 A1, all of which are herebyincorporated by reference in their entirety.

BACKGROUND

Networked devices, such as computer terminals, are commonly used byindividuals to perform a variety of activities. An activity may beinitiated by a networked device. However, in conventional systems, onceinitiated, the data structures of the activity cannot be modified. Anyalteration requires abandoning the existing activity and initiating yetanother activity. This requires increased processing capacity and may bedetrimental to communication speeds due to the large number ofactivities initiated. Moreover, conventional systems lack the ability toproactively combine disparate activities, much less activities that areassociated with distinct time intervals. A needs exists for systems andmethods for improving the functionality and processing capability ofnetworked devices for dynamically performing activities.

The present invention addresses the foregoing needs and also providesimprovement to technology by improving the functionality of andprocessing capability of networked devices, by configuring the networkeddevices for proactive combination of temporal resource activity data anddynamic transmission of resources.

BRIEF SUMMARY

The following presents a simplified summary of one or more embodimentsof the invention in order to provide a basic understanding of suchembodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments, nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments in a simplified form as a prelude to the more detaileddescription that is presented later. Embodiments of the invention relateto systems, computer-implemented methods, and computer program products(e.g., computer readable program code, and/or non-transitory tangiblecomputer readable media) for combination of temporal resource activitydata and resource transmission, wherein the invention is configured toconcatenate time dependent sequential activity data structures such thatresource transmission for an impending resource activity may beperformed at an antecedent resource activity associated with thesequential activity data structures. Typically, in various embodimentsof the invention, the systems, methods, and computer program productsare configured to: receive, via a first operative communication channel,a first trigger signal from a first networked device of the plurality ofnetworked devices at a first time interval, wherein the first triggersignal comprises a first activity data structure; based on analyzing thetrigger signal, identify a first resource activity initiated by a userat the first time interval, wherein the first resource activity isassociated with a user resource; determine a second resource activityassociated with the user such that (i) the second resource activitycomprises a user nexus with the first resource activity, and (ii) thesecond resource activity is associated with a second time intervalsucceeding the first time interval; construct a second activity datastructure associated with the second resource activity associated withthe second time interval; construct a linked temporal activity datastructure comprising the second activity data structure linked with thefirst activity data structure; transmit, via the first operativecommunication channel, a second trigger signal comprising the linkedtemporal activity data structure to the first networked device, whereinthe second trigger signal is structured to modify the first resourceactivity at the first networked device to link the second resourceactivity with the first resource activity such that the second resourceactivity is initiated concurrently with the first resource activityprior to the second time interval associated with the second resourceactivity; initiate, via the first networked device, at least oneresource transfer for performing the first resource activity and thesecond resource activity, wherein the at least one resource transfer isinitiated prior to the second time interval associated with the secondresource activity; and transmit, a control signal to a mobile deviceassociated with the user based on completion of the first resourceactivity and the second resource activity.

In some embodiments, or in combination with any of the embodimentsherein, transmitting the second trigger signal to the first networkeddevice further comprises: transmitting, a third trigger signalcomprising the linked temporal activity data structure to a user deviceassociated with the user, wherein the second trigger signal isstructured to cause the user device to display a user interfaceassociated with the first resource activity and the second resourceactivity; receive, via the user device, at least one user inputassociated with authorizing the second user activity; and in response toreceiving the at least one user input authorizing the second useractivity, transmitting the second trigger signal to the first networkeddevice.

In some embodiments, or in combination with any of the embodimentsherein, receiving the at least one user input associated withauthorizing the second user activity: receiving, via the user device, achange user input associated with modifying the second user activity;and in response to receiving the change user input, modify the linkedtemporal activity data structure; and wherein the second trigger signalcomprises the modified linked temporal activity data structure.

In some embodiments, or in combination with any of the embodimentsherein, transmitting the second trigger signal to the first networkeddevice further comprises: presenting the linked temporal activity datastructure associated with the first resource activity and the secondresource activity, wherein presenting the network activity channelcomprises: (i) modifying, dynamically, an existing presentationassociated with the first resource activity on a display device of thefirst networked device by inserting a presentation associated with thesecond activity data structure of the second resource activity; and (ii)configuring the first networked device for performing the at least oneresource transfer associated with the first resource activity and thesecond resource activity.

In some embodiments, or in combination with any of the embodimentsherein, determining that the second resource activity comprises the usernexus with the first resource activity further comprises: determining ageographic location of the first networked device; constructing ageofence associated with the geographic location of the first networkeddevice, wherein the geofence is associated with a geographic area withina predetermined distance range from the geographic location of the firstnetworked device; identifying a second resource activity associated withthe user; and in response to at least determining that a geographiclocation of the second resource activity is within the geofence,determining that the second resource activity comprises the user nexuswith the first resource activity.

In some embodiments, or in combination with any of the embodimentsherein, determining that the second resource activity comprises the usernexus with the first resource activity further comprises: analyzing aprior user activity log associated with the user; identifying a priorfirst resource activity associated with the first networked device inthe user activity log; identifying a prior second resource activityassociated from the user activity log; and in response to at leastdetermining that the prior second resource activity occurred at a timewithin a predetermined time interval from the prior first resourceactivity, (i) selecting the prior second resource activity as the secondresource activity, and (ii) determining that the second resourceactivity comprises the user nexus with the first resource activity.

In some embodiments, or in combination with any of the embodimentsherein, determining that the second resource activity comprises the usernexus with the first resource activity further comprises: identifying afuture scheduled activity associated with the user; and in response toat least determining that the future scheduled activity is scheduled fora time within a predetermined time interval from the first resourceactivity, (i) selecting the future scheduled activity as the secondresource activity, and (ii) determining that the second resourceactivity comprises the user nexus with the first resource activity.

In some embodiments, or in combination with any of the embodimentsherein, determining the second resource activity associated with theuser further comprises: determining an activity entity system associatedwith the second resource activity; determining, via operativecommunication with the activity entity system, an activity availabilityand an activity resource value associated with the second activity data;determining that (i) the activity availability is above a predeterminedthreshold, and (ii) the activity resource value is below a resourceavailability value associated with the user; and wherein the secondactivity data structure associated with the second resource activitycomprises the activity resource value.

In some embodiments, or in combination with any of the embodimentsherein, the invention is further structured to: receive a user inputassociated with authorizing the second user activity at the user device;and based on at least the user input, concurrently perform (i) the firstresource activity and (ii) the second resource activity at the firstnetworked device prior to the second time interval associated with thesecond resource activity.

In some embodiments, or in combination with any of the embodimentsherein, the at least one resource transfer comprises a first resourcetransfer associated with the first resource activity and a secondresource transfer associated with the second resource activity. Here,performing (i) the first resource activity and (ii) the second resourceactivity comprises: initiating, concurrently, (i) transmission of thefirst resource transfer associated with the first resource activity to afirst entity resource associated with the first networked device, and(ii) transmission of the second resource transfer associated with thesecond resource activity to a second entity resource not associated withthe first networked device, without requiring initiation of anotherresource activity.

In some embodiments, or in combination with any of the embodimentsherein, receiving the user input associated with authorizing the seconduser activity further comprises: accessing a mobile device securityidentifier stored in the user device; validating user authenticationcredentials received at the user device from the user; wherein the (i)the first resource activity and (ii) the second resource activity isperformed at the first networked device based on at least (i) successfulvalidation of the user authentication credentials and (ii) the mobiledevice security identifier.

In some embodiments, or in combination with any of the embodimentsherein, the first networked device is a transaction terminal, alsoreferred to as a computer terminal.

In some embodiments, or in combination with any of the embodimentsherein, the invention is further structured to determine one or morethird resource activities associated with the user such that (i) each ofthe one or more third resource activities comprises a user nexus withthe first resource activity, and (ii) each of the one or more thirdresource activities is associated with a third time interval succeedingthe first time interval; construct, for the one or more third resourceactivities, one or more third activity data structures. Here,constructing the linked temporal activity data structure comprises theone or more third activity data structures linked with the firstactivity data structure. In this regard, the second trigger signal isstructured to modify the first resource activity at the first networkeddevice to link the one or more third resource activities with the firstresource activity such that each of the one or more third resourceactivities are initiated concurrently with the first resource activityprior to the third time interval associated with the third resourceactivity. Here, initiating the at least one resource transfer comprisesinitiating the at least one resource transfer for performing the firstresource activity, the second resource activity, and one or more thirdresource activities. The invention is further structured to transmit, acontrol signal to a mobile device associated with the user based oncompletion of the one or more third resource activities.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

The present invention is further described in the detailed descriptionwhich follows in reference to the noted plurality of drawings by way ofnon-limiting examples of embodiments of the present invention in whichlike reference numerals represent similar parts throughout the severalviews of the drawings and wherein:

FIG. 1 illustrates a block network architecture diagram illustrating asystem environment 100 for combination of temporal resource activitydata and resource transmission, in accordance with some embodiments ofthe invention;

FIG. 2 illustrates a block diagram 200 of a computer terminal system, inaccordance with some embodiments of the invention;

FIG. 3 illustrates a block diagram 300 of a processing system, inaccordance with some embodiments of the invention;

FIG. 4 illustrates a block diagram 400 of a user device, in accordancewith some embodiments of the invention; and

FIG. 5 illustrates a high level process flow 500 for combination oftemporal resource activity data and resource transmission, in accordancewith some embodiments of the invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention now may be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure may satisfy applicablelegal requirements. Like numbers refer to like elements throughout.Where possible, any terms expressed in the singular form herein aremeant to also include the plural form and vice versa, unless explicitlystated otherwise. Also, as used herein, the term “a” and/or “an” shallmean “one or more,” even though the phrase “one or more” is also usedherein. Furthermore, when it is said herein that something is “based on”something else, it may be based on one or more other things as well. Inother words, unless expressly indicated otherwise, as used herein “basedon” means “based at least in part on” or “based at least partially on.”

In some embodiments, an “entity” as used herein may be any institution,establishment or enterprise, associated with a network connectedresource transfer platform, and particularly geolocation systems anddevices. As such, the entity may be any institution, group, association,financial institution, merchant, establishment, company, union,authority or the like. Typically, the entity is associated with one ormore computer terminals (also referred to as networked devices in someinstances). Typically, the entity owns the computer terminals, operatescomputer terminals, provides the computer terminal devices, facilitatesservices associated with the computer terminals, and/or is otherwiseassociated with the computer terminals.

As described herein, a “user” is an individual associated with anentity. As such, in some embodiments, the user may be an individualhaving past relationships, current relationships or potential futurerelationships with an entity. In some instances, a “user” is anindividual who has a relationship with the entity, such as a customer ora prospective customer. In some instances described herein, the user isan individual who seeks to utilize, operate, or perform one or moreactivities associated with a computer terminal, typically based onsuccessful validation of the user's authentication credentials. In someembodiments, a “user” may be an employee (e.g., a technologyoperator/technician, an associate, a project manager, an IT specialist,a manager, an administrator, an internal operations analyst, or thelike) of the entity or enterprises affiliated with the entity, capableof operating the systems and computer terminals described herein. Inother embodiments, a user may be a system or an entity performing one ormore tasks described herein.

The term “computer terminal” or “user activity terminal” as used hereinmay refer to one or more electronic devices that facilitate one or moreuser activities or transactions. In some embodiments, the computerterminal may refer to any device (or networked device) that isconfigured to operatively communicate with a mobile device via anetwork. In some embodiments, the computer terminal is configured tofacilitate performance of one or more user activities by establishing an“interactive session” between a user and the computer terminal, and morespecifically between the user's mobile device and the computer terminal(e.g., via a secure wireless communication channel). As such, the terms“user activity”, “network activity” or “user transaction” or simply“activity” may refer to financial or non-financial activities, tasks,events or actions. In some embodiments a computer terminal refers to oneor more devices that facilitate execution of financial transactions oractivities. In this regard, in some embodiments, the computer terminalsmay be Point of sale (POS) terminals/devices. In some embodiments, thecomputer terminals may be Automated Teller Machines (ATMs), vendingmachines, checkout registers, ticket vending machines, automated retailtransaction devices, banking terminals in a financial institution,financial institution servers, merchant servers, other computing devicesthat involve financial user activities or transactions in one form oranother, or may comprise technology elements and/or functionality of oneor more aforementioned devices, or a suitable combination of theaforementioned devices/apparatuses. In some embodiments the computerterminal refers to devices that facilitate execution of non-financialuser activities or transactions, for example, smart devices (e.g.,secure doors with authentication features, smart learning walls, smarttelevisions, tablets, smart automobiles, and the like), check-interminals for various industries, for example: hospitality, travel, andthe like, information kiosks and other computer terminals that do notinvolve a user performing a financial transaction via the computerterminal. In some embodiments the computer terminals enable execution ofboth financial and non-financial transactions/activities (e.g., acomputer terminal may be a suitable combination of any of theaforementioned terminal devices with respect to their features, designand/or function). That said, computer terminals may also refer toportable devices that facilitate financial and/or non-financialtransactions, such as personal computers, laptop computers, tabletcomputers, smartphones, wearable devices, personal digital assistants(PDAs), and other computing devices. In some embodiments, the computerterminals may be owned, operated and/or otherwise associated entitiesand are installed at suitable locations, such that the user can travelto the location of the computer terminal to perform user activities orexecute transactions. In some embodiments, the computer terminals may beowned, operated and/or otherwise associated with the user. Inembodiments described herein, performing a user activity or transactionmay refer to the initiation, stages during the processing, or completionof a transaction. The computer terminal of the present invention isinteractive and is configured to communicate with a user using visual,audio or other means, either directly (e.g., using display devices ofthe computer terminal) or via suitable devices (e.g., via a user mobiledevice).

Typically, the user may provide authentication credentials forconducting user activities or transactions at the computer terminal. Insome embodiments, computer terminals require the user to perform one ormore authentication steps based on the level of authorization desiredfor a particular user activity or transaction. In this regard, forexample, the user may slide cards with magnetic strips, provide one ormore account numbers, user identifiers or userID and the like andfurther may provide the accompanying personal identification numbers(PIN), passwords, CVV numbers and the like associated with theindividual computer terminal and/or the individual card/account providedfor authentication.

A “user activity”, a “network activity”, a “resource transfer” or“resource distribution” or a transaction refers to any communicationbetween a user and the financial institution or other entity monitoringthe user's activities to transfer funds for the purchasing or selling ofa product, financial activities or non-financial activities of a user. Atransaction may refer to a purchase of goods or services, a return ofgoods or services, a payment transaction, a credit transaction, or otherinteraction involving a user's account. In the context of a financialinstitution, a transaction may refer to one or more of: a sale of goodsand/or services, initiating an automated teller machine (ATM) or onlinebanking session, an account balance inquiry, a rewards transfer, anaccount money transfer or withdrawal, opening a bank application on auser's computer or mobile device (e.g. a mobile cellular device), a useraccessing their e-wallet, or any other interaction involving the userand/or the user's device that is detectable by the financialinstitution. A transaction may include one or more of the following:renting, selling, and/or leasing goods and/or services (e.g., groceries,stamps, tickets, DVDs, vending machine items, and the like); makingpayments to creditors (e.g., paying monthly bills; paying federal,state, and/or local taxes; and the like); sending remittances; loadingmoney onto stored value cards (SVCs) and/or prepaid cards; donating tocharities; and/or the like.

As alluded to previously, activities may be initiated by a networkeddevice. However, in conventional systems, once initiated, the datastructures of the activity cannot be modified. For example, a firstresource transfer (e.g., transaction, payment, etc.) may be initiated ata networked device (e.g., ATM, point of sale terminal, etc.) by a user.The first resource transfer is processed by transmitting data structurescorresponding to a first resource value (e.g., a payment) from a firstresource (e.g., an account associated with the user) to a secondresource (e.g., an account associated with another entity such as amerchant). Once the first resource transfer is initiated in conventionalsystems, it typically cannot be modified in situ. As another example, auser may initiate an activity of a video conference. The conference iscommenced by first creating data structures corresponding to thecommunication and access configuration resources (e.g., permissions) ofthe video conference, and transmitting them to one or more othernetworked devices associated with the participants of the videoconference, after which the creating data structures corresponding tothe communication and access configurations (e.g., permissions) of thevideo conference typically cannot be modified without interrupting theconference set-up process. Here, any alteration to the initiated useractivity, even if possible, may require abandoning the already initiatedactivity and initiating yet another activity. For example, conventionalsystems may need to abandon the existing resource transfer and initiatea new resource transfer (e.g., new payment transfer, new videoconference, etc.). Sudden abandoning of the initiated activities maycause systems to freeze resulting in undesirable downtime. Moreover,this requires increased processing capacity and may be detrimental tocommunication speeds due to the additional number of activities requiredto be initiated in place of the abandoned activities. Moreover,conventional systems lack the ability to proactively combine disparateactivities, much less activities that are associated with distinct timeintervals, hence further requiring an increased number of activities tobe processed and transmitted which in turn requires even more processingand communication capability. A needs exists for systems and methods forimproving the functionality and processing capability of networkeddevices for dynamically performing activities.

The present invention addresses the foregoing needs and also providesimprovement to technology by improving the functionality of andprocessing capability of networked devices, by configuring the networkeddevices for proactive combination of temporal resource activity data anddynamic transmission of resources. The present invention provides afirst improvement to conventional systems by configuring networkeddevices to dynamically modify initiated user activities, withoutrequiring abandonment of the initiated activity. As a secondimprovement, upon initiation of a first activity, the present inventionis structured to proactively, and in real time, (i) determine a secondactivity (also referred to as an auxiliary activity) associated with thefirst activity, and (ii) dynamically modify the first activity to linkthe second activity therewith such that the first activity and secondactivity are processed together, which is typically not possible in theabsence of the present invention. As a third improvement provided by thepresent invention, the present invention is not only configured todynamically modify an initiated first activity by concatenating/linkingit with an associated second activity, the present invention is alsostructured to dynamically modify the initiated first activity using atime dependent second activity, such that an impending second resourceactivity associated with (e.g., scheduled for) a predetermined time inthe future may still be concatenated/linked with the first activityoccurring in the present.

For example, the system may determine that the user has initiated afirst resource activity of a purchase transaction at a point of saleterminal (first networked device) associated with a first entity (e.g.,first store). Here, the system may, dynamically and in real-time, modifythe purchase transaction at the first networked device, in order to linka second resource activity associated with a second entity that isassociated with a time in the future, such as initiating atransportation for the user such as a cab with the transportationscheduled to account after a predetermined time interval, purchase of afood item from a second entity (e.g., second store) scheduled forpick-up at a time interval in the future, such that the user can pay forboth the first and second activities together at the point of saleterminal in an antecedent matter (e.g., beforehand), e.g., based onreceiving user approval.

As another example, the system may determine that the user seeks tovisit a sporting event based on a first activity trigger signal ofpurchase of entry tickets. Here, the system may analyze the firstactivity information included in the trigger signal such as the time andlocation of the event, distance from user's residence/work location,etc., and subsequently determine that the user would need to perform asecond/auxiliary activity of purchasing a parking ticket for parking theuser's vehicle at the time of the event. The system may automaticallyand dynamically modify the first activity to include the secondactivity, and process both of them.

As another example, as discussed above, based on determining that theuser has initiated a first activity of a video conference, the systemmay identify an additional second/auxiliary activity of configuringnetwork devices of the participants (e.g., user laptop computers), suchthat the network devices of the participants activate predeterminedaudio/video connectivity (e.g., activate display of predeterminedinterfaces (e.g., slideshows), activate screen sharing, mute speakers,etc.) after a certain time interval after the video conference hascommenced. The system may then dynamically modify the data structurescorresponding to the communication and access configuration resources ofthe video conference to include that of the second activity, andtransmit them to one or more other networked devices associated with theparticipants of the video conference.

Referring to FIG. 1 , a block diagram illustrating a system environment100 configured for providing an interactive user activity terminalconfigured for combination of temporal resource activity data andresource transmission, is illustrated, in accordance with someembodiments of the invention. As illustrated, the system environment 100may comprise a computer terminal 120 (also referred to as a useractivity terminal 120, a first networked device, etc.), in operativecommunication with one or more user devices 104 associated with a user102, a processing system 130, one or more sensor devices 112, one ormore visual capture devices 114, an authentication database 118, a thirdparty system 116 and/or other systems/devices not illustrated herein,via a network 101. As such, the computer terminal 120 is configured suchthat the user 102 may perform one or more user activities ortransactions by utilizing the computer terminal directly (for example,by physically operating the computer terminal 120 and its interfaces,using input/output devices of the terminal 120, using audio commands,using physical gestures, and the like) and/or via communication betweenthe user device 104 and the terminal 120 (for example, by establishingoperative communication channels between the user device 104 and theterminal 120 via a wireless network and interacting with the terminal120 via the devices and interfaces of the user device 104).

Typically, the processing system 130 and the authentication database 118are in electronic communication with the computer terminal 120, via thenetwork 101, which may be the internet, an intranet or the like. In FIG.1 , the network 101 may include a local area network (LAN), a wide areanetwork (WAN), a global area network (GAN), and/or near fieldcommunication (NFC) network. The network 101 may provide for wireline,wireless, or a combination of wireline and wireless communicationbetween devices in the network. In some embodiments, the network 101includes the Internet. In some embodiments, the network 101 may includea wireless telephone network. Furthermore, the network 101 may comprisewireless communication networks to establish wireless communicationchannels such as a contactless communication channel and a near fieldcommunication (NFC) channel (for example, in the instances wherecommunication channels are established between the user device 104 andthe computer terminal 120). In this regard, the wireless communicationchannel may further comprise near field communication (NFC),communication via radio waves, communication through the internet,communication via electromagnetic waves and the like.

As discussed previously, the computer terminal 120 is configured tofacilitate performance of user activities, and is configured to providereal-time interactive sessions for the user 102. In some embodiments,the computer terminal 120 or the user activity terminal 120 is point ofsale terminal 120 b (also referred to as a transaction terminal)configured for uniquely facilitating user activities in accordance withsome embodiments. In some embodiments, the computer terminal 120 is anATM 120 a, a computing device 120 c, a vending machine, a kiosk, and/oranother device, or a suitable combination of the aforementioned devices,that is configured to facilitate the user activity. The components ofthe computer terminal 120, its features and functions will be describedin detail through this disclosure and with respect to FIG. 2 , inparticular.

In some embodiments, the computer terminal 120 receives signals, imagesand other data captured by the sensor devices 112 and/or the visualcapture devices 114, during its execution of user activities. In thisregard, in some embodiments, the computer terminal 120 communicateswith, transmits instructions, and/or receives signals from the sensordevices 112 and the visual capture devices 114 directly, via the network101, typically, in real-time. In some embodiments, the computer terminal120 communicates with the sensor devices 112 and the visual capturedevices 114 through the processing system 130, typically, in real-time.Analyzing the signals received from the sensor devices 112 and thevisual capture devices 114 typically enables the computer terminal 120,the processing system 130, or the devices 112 and 114 themselves, todetermine user location, determine trigger events (e.g., user approachto the terminal 120, retrieve/identify user authentication credentialsfrom the user and/or the user device, establishing communication withthe user device in the vicinity of the terminal, determination ofwhether the user device comprises an integrated resource transferapplication, and the like), capture one or more parameters associatedwith the environment or physical location of the computer terminal 120,and the like.

In some embodiments, the sensor devices 112 are position sensorsconfigured to sense or determine the position and/or location of theuser 102, other individuals, objects/devices, or entities. As such, thesensor devices 112 may determine an absolute positon (for example,location/positioning coordinates) or a relative position (for example,with respect to the position of the terminal 120, with respect toposition of the user or another individual, with respect to the sensor112 itself or a predetermined object and the like) of the user,individual or object. Here, in some embodiments, the sensor devices 112are proximity sensors that are configured to determine the presence ofthe user or object within a predetermined proximity area. These sensordevices 112 may be contact type sensors that determine the presence ofthe user or object based on contact, or non-contact type sensors thatdetect distant users or objects. Typically, the sensor devices 112comprise a first transducer that is configured to convert electricalenergy into a proximity signal (for example, an electromagnetic wave, asound wave, and the like) that is broadcast in a predetermined proximityarea. The incidence of the proximity signal on physical users or objectswithin the proximity area results in a return signal/wave that iscaptured by the sensor 112. The return signal/wave is then converted toan electric signal by a second transducer of the sensor. This electricsignal may be analyzed, in real-time, by the sensor 112, the terminal120, and/or the processing system 130, to determine the location of theuser/object and/or track movement of the user/object. Here, the sensor112 may be configured to perform modulation, demodulation, amplificationand output switching of the proximity and return signals.

For example, in some embodiments, the sensor devices 112 compriseultrasonic sensors that are configured to transmit a proximity signalcomprising sound waves (typically with frequencies above 18 kHz) and arefurther configured to receive a return signal in the form or an echo,which is then converted to an electric signal for analysis. As anotherexample, in some embodiments, the sensor devices 112 comprise opticalsensors or photoelectric sensors that are configured to transmit aproximity signal comprising electromagnetic waves, and specificallylight waves (for example, infrared waves with frequencies in the rangeof about 600 GHz to 430 THz, such as infrared or visible red waves,laser waves in the visible or infrared frequency range, and the like)and are further configured to receive a return signal, either in theform of a reflection signal or interruption of the light proximitysignal at receiver associated with the sensor 112, which is thenconverted to an electric signal for analysis. As yet another example,the sensor devices 112 comprise inductive proximity sensors andinductive position sensors for determining the presence and position,respectively, of users and objects, which generate an induction loop tothereby produce a proximity signal in the form or a magnetic field. Thepresence of users or objects varies the current flowing through the loopwhich facilitates determination of presence of users or objects. In someembodiments, the sensor devices 112 comprise sensor devices provided inthe user device 104, such as, biometric sensors (for example,fingerprint scanner of a mobile phone, monitor of a wearable userdevice, and the like), location sensors (for example, GPS devices,accelerometers, and the like), visual capture devices/cameras, facialrecognition devices, devices for capturing user gestures (for example, atouch screen) and other sensing devices of the user device 104. Here,the terminal 120 and/or the processing system 130 may transmit controlsignals to the user device to cause the sensing devices of the userdevice 104 to capture one or more parameters and/or to transmit one ormore captured parameters.

The visual capture devices 114 typically comprise cameras and otheraudio, video and image capture devices. These visual capture devices 114are configured to capture images and/or video streams, typically inreal-time, of a predetermined proximity area. The images and/or videostreams may be analyzed by the computer terminal 120, the processingsystem 130 and/or the capture devices 114, to determine the presence andposition of the user, other individuals or objects and their movement inthe proximity area. Although described separately, it is understood thatthe visual capture devices 114 may be associated with the sensor devices112. As such, sensors or sensor devices, as alluded to herein, may referto the various sensor devices described herein and the visual/imagecapture devices described herein.

As alluded to previously, the processing system 130 is in operativecommunication with the computer terminal 120. In some embodiments,processing system 130 is configured to transmit control instructionsthat are configured to cause the computer terminal 120, the user device104, the sensor device 112 and/or the visual capture devices 114 toperform at least a portion of the steps associated with one or moreactivities. The processing system 130 may be associated with the sameentity as the computer terminal 120 or may be associated with anotherentity. The structure and components of the processing system 130 isdescribed in detail with respect to FIG. 3 . The computer terminal 120may further communicate with the third party system 116 and/or theauthentication database 118, either directly or via the processingsystem 130. The authentication database 118 may comprise authenticationcredentials associated with the user. The processing system 130 and/orthe computer terminal 120 may retrieve the authentication credentialsfrom the authentication database to authenticate the user prior toexecuting one or more user activities or transactions.

The user device 104 may comprise a mobile communication device, such asa cellular telecommunications device (i.e., a smart phone or mobilephone), a computing device such as a laptop computer, a personal digitalassistant (PDA), a mobile internet accessing device, or other mobiledevice including, but not limited to portable digital assistants (PDAs),pagers, mobile televisions, laptop computers, cameras, video recorders,audio/video player, radio, GPS devices, any combination of theaforementioned, or the like. As discussed previously, in someembodiments, the computer terminals 120 of the present invention areconfigured to establish operative communication channels with the userdevice 104 such that, the user 102 may perform one or more useractivities, either entirely or in part, at the terminal 120 byinteracting with the user device 104. The user device 104 is describedin detail with respect to FIG. 4 .

FIG. 2 , illustrates a block diagram 200 of the computer terminal 120system, in accordance with some embodiments of the invention. Asdiscussed previously, the computer terminal 120 is configured tofacilitate performance of user activities, and is configured to provideor facilitate real-time interactive sessions for the user 102, either onthe mobile device of the user or on the terminal itself, using one ormore communication channels established via the network 101. Thecomputer terminal 120 typically includes a processing device or aprocessor 210, memory device 230, storage memory 220 or datastore 220,and a communication device 270. As such, the computer terminal 120, andthe processor 210 is particular, is configured to perform at least aportion of the steps of the embodiments described herein, either basedon executing computer readable instructions stored in the memory device230, and/or based on receiving instructions, indications, or signalsfrom other systems and devices such as the processing system 130, theuser device 104, sensor devices 112, visual capture devices 114, theuser 102, and/or other systems. In some embodiments, the processingsystem 130 is configured to transmit control instructions to, and causethe processing device 210 to perform one or more steps of theembodiments presented herein. For example, the processing system 130 maydetect a trigger event and transmit an indication to the processingdevice 210. In response to receiving the control signal from the system130, the processing device 210 may initiate a presentation ofenvironment parameters.

As discussed previously, “computer terminal” or “user activity terminal”as used herein may refer to one or more electronic devices thatfacilitate one or more user activities or transactions. In someembodiments, the computer terminal may refer to any device (or networkeddevice) that is configured to operatively communicate with a mobiledevice via a network. Typically, a computer terminal is configured tofacilitate performance of one or more user activities by establishing an“interactive session” between a user and the computer terminal, and morespecifically between the user's mobile device and the computer terminal(e.g., via a secure wireless communication channel). In some embodimentsthe computer terminal refers to devices that facilitate execution ofnon-financial user activities or transactions, for example, smartdevices such as, secure doors with authentication features, smartlearning walls, smart televisions, tablets, smart automobiles, and thelike, mobile devices, check-in terminals for various industries,Automated Teller Machines (ATMs), Point of sale (POS) devices, vendingmachines, checkout registers, ticket vending machines, automated retailtransaction devices, banking terminals in a financial institution,financial institution servers, merchant servers, sensors, transmitterdevices, and other devices that involve user activities or transactionsin one form or another, or may comprise technology elements and/orfunctionality of one or more aforementioned devices, or a suitablecombination of the aforementioned devices/apparatuses. In someembodiments the computer terminals enable execution of both financialand non-financial transactions/activities (e.g., a computer terminal maybe a suitable combination of any of the aforementioned terminal deviceswith respect to their features, design and/or function).

The processing device 210 may generally refer to a device or combinationof devices having circuitry used for implementing the communicationand/or logic functions of the computer terminal 120. For example, theprocessing device 210 may include a control unit, a digital signalprocessor device, a microprocessor device, and various analog-to-digitalconverters, digital-to-analog converters, and other support circuitsand/or combinations of the foregoing. Control and signal processingfunctions of the computer terminal 120 may be allocated between theseprocessing devices according to their respective capabilities.

The computer terminal 120 may further include various components/devicesin operative communication with and/or controlled by the processor 210,such as user output devices 286, user input devices 240, a networkcommunication interface 279 (such as a contactless interface 279), apower source 215, and the like. Furthermore, in some embodiments, theprocessor 210 is operatively coupled to and is configured to controlother components/devices of the computer terminal 120, such as an imagecapture device 250, sensor devices 290, and the like. These componentsand devices are described in detail below.

The memory device 230 and the storage memory 220 may generally refer toa device or combination of devices that store one or more forms ofcomputer-readable media for storing data and/or computer-executableprogram code/instructions. In some embodiments, the storage memory 220is integral with the memory device 230. In some embodiments, the memorydevice 230 comprises a non-transitory, computer readable storage medium.For example, the memory device 230 and/or the storage memory 220 mayinclude any computer memory that provides an actual or virtual space totemporarily or permanently store data and/or commands provided to theprocessing device 210 when it carries out its functions describedherein.

As illustrated by FIG. 2 , the memory device 230 typically comprises acomputer terminal application 232 (also referred to as a terminalapplication), an authentication module 234, a computer terminalapplication datastore 236 stored therein. In some embodiments, theauthentication module 234 is integral with the computer terminalapplication 232. In some embodiments, the computer terminal applications232 and/or the authentication module 234 may be executable to initiate,perform, complete, and/or facilitate one or more portions of anyembodiment described and/or contemplated herein, either independently orin response to receiving control instructions from the processing system130. In some embodiments, the computer terminal application/module 232comprises computer readable instructions stored in the memory device230, which when executed by the processing device 210, are configured tocause the processing device 210 to perform one or more steps of theembodiments presented herein, and/or cause the processing device totransmit control instructions to other components of the terminal 120and other devices/systems in the network 101 to cause them to performthe steps. Generally, the computer terminal application 232 isexecutable to receive activity instructions from the user and performuser activities and the various steps described herein. In someembodiments, the computer terminal application 232 comprises a personaldigital assistant for interfacing with the user at the terminal. Thecomputer terminal application 232 may be coupled to a computer terminalapplication datastore 236 for storing application data as the useractivity is being performed. The computer terminal application datastore236 may store the application data temporarily for the predeterminedduration of the execution of the activity (such as a memory buffer, orcache memory), or permanently.

The computer terminal 120 may require users to identify and/orauthenticate themselves before the computer terminal 120 may initiate,perform, complete, and/or facilitate a user activity. For example, insome embodiments, the computer terminal 120 is configured (and/or thecomputer terminal application 232 is executable) to authenticate acomputer terminal user based at least partially on a computer terminaldebit card, smart card, token (e.g., USB token, etc.), username,password, PIN, biometric information, and/or one or more othercredentials that the user presents to the computer terminal 120.Additionally or alternatively, in some embodiments, the computerterminal 120 is configured to authenticate a user by using one-, two-,or multi-factor authentication. For example, in some embodiments, thecomputer terminal 120 requires two-factor authentication, such that theuser must provide a valid debit card and enter the correct PINassociated with the debit card in order to authenticate the user to thecomputer terminal 120. However, either alternatively or in addition tothe aforementioned authentication features, the computer terminal 120may require biometric authentication of the user 102 before initiating,performing, completing, and/or facilitating a user activity.

In some embodiments, the authentication module 234 comprises computerreadable instructions that when executed by the processing device 210cause the processing device to perform one or more functions and/ortransmit control instructions to other components or devices to performone or more authentication steps described herein. These authenticationsteps typically include requesting authentication credentials from theuser via the user output devices 286 (for example, based on determiningthe desired authorization level for the user activity), activatingpertinent sensors and devices for receipt of the credentials (sensordevices 290/image capture devices 250 for biometric credentials, cardreader devices 240 for reading magnetic strips of the user's card(s),contact less interface device 279 for receiving authentication tokensfrom a user device via NFC channels, and the like), receivingauthentication credentials, validating the credentials (for examplebased on retrieving user credentials from the datastore 236, memory 220,processing system 130 and/or database 118), and the like. That said, asshown, the processing device 210, in turn, is operatively connected toand is also configured to control and cause the communication device270, the memory device 230, and other components described herein toperform one or more functions, at least in part.

The communication device 270 may comprise a modem 271 (not illustrated),a receiver 272, a server 273 (not illustrated), a transmitter 274,transceiver, and/or another device for communicating with other devicesand systems on the network 101. The communication device 270 may furthercomprise a contact, contactless, wireless and/or wired interface that isconfigured to establish communication between components of the computerterminal 120, between the computer terminal 120, particularly theprocessing device 210, and other devices or systems, such as theprocessing system 130, the user device 104, the authentication database118, the third party system 116, and the like. In this regard, thecommunication interface 270 comprises a transmitter 274, a receiver 272,a broadcasting device 276 to transmit and receive signals fromcorresponding devices via a suitable transmission medium or acommunication channel. In some embodiments, the computer terminal 120 isconfigured to be coupled/connected to other devices and systems viawired communication channels. In other embodiments, the computerterminal 120 is configured to be coupled/connected to other devices viaa wireless channel. In this regard, the wireless communication channelmay comprise near field communication (NFC), communication via radiowaves, communication through the internet, communication viaelectromagnetic waves and the like. The communication device 270 mayfurther comprise a contactless interface device 279 for establishingcontactless communication with other devices, such as the user device104. Here, the computer terminal 120 may include a transceiver, i.e.,one or more antennas and and/or other electronic circuitry, devices, andsoftware, for receiving data when a device is held close to or tapped ata suitable location of the computer terminal 120. Here, radio frequencysignals may be transmitted and received in the radio frequency band,such as 13.56 MHz which is generally the frequency for NFC. In oneembodiment, the ISO/IEC 14443 standard may define the protocolassociated with the data carried by these radio frequency signals. Inone embodiment, the transmitter 274 and receiver 272 may transmit andreceive radio frequency signals, respectively, from the computerterminal 120 within a distance of up to approximately 25 cm, and from0-20 cm, such as from 0-15 cm, and 0-10 cm, and the like.

Establishing the communication channels may also include signalinginformation in accordance with the air interface standard of theapplicable cellular system of the wireless telephone network that may bepart of the network 101. In this regard, the computer terminal 120 maybe configured to operate with one or more air interface standards,communication protocols, modulation types, and access types. By way ofillustration, the computer terminal 120 may be configured to operate inaccordance with any of a number of first, second, third, and/orfourth-generation communication protocols and/or the like. For example,the computer terminal 120 may be configured to operate in accordancewith second-generation (2G) wireless communication protocols IS-136(time division multiple access (TDMA)), GSM (global system for mobilecommunication), and/or IS-95 (code division multiple access (CDMA)), orwith third-generation (3G) wireless communication protocols, such asUniversal Mobile Telecommunications System (UMTS), CDMA2000, widebandCDMA (WCDMA) and/or time division-synchronous CDMA (TD-SCDMA), withfourth-generation (4G) wireless communication protocols, and/or thelike. The computer terminal 120 may also be configured to operate inaccordance with non-cellular communication mechanisms, such as via awireless local area network (WLAN) or other communication/data networks

The user interface of the computer terminal 120 may include user inputdevices 240 and user output devices 286, as illustrated by FIG. 2 . Theuser interface of the computer terminal 120 is typically configured tofacilitate the interactive sessions with the user. The user outputdevices 286 typically include a display 280 (e.g., a liquid crystaldisplay, a touchscreen display, and/or the like) which is operativelycoupled to the processing device 210. In some embodiments, where thecomputer terminal 120 requests the user's signature (if needed), thedisplay may also serve as a touchpad input device to input the user'ssignature via a stylus. Other output devices may include one or moreLEDs or an audio speaker 282, both which may indicate to the uservarious steps of a user activity. The output devices 286 including thedisplay 280 typically provide instructions and information to the user,regarding the user activity and steps associated with the user activity.The user interface 126 may include any number of user input devices 240allowing the computer terminal 120 to transmit/receive data to/from theuser 102, such as a keypad, keyboard, touch-screen, touchpad,microphone, mouse, joystick, other pointer device, button, soft key,and/or other input device(s). A printer that can print paper receiptsmay also be incorporated into the computer terminal 120.

As illustrated by FIG. 2 , the computer terminal may further comprise animage capture device 250. The image capture device 250 typicallycomprises cameras and other audio, video and image capture devices. Theimage capture device 250 is configured to capture images and/or videostreams, typically in real-time, of a predetermined proximity area inthe vicinity of the computer terminal 120 location. The images and/orvideo streams may be analyzed by the computer terminal 120 to determinethe presence and position of the user, other individuals or objects andtheir movement in the proximity area, to identify the user forauthentication or facial recognition purposes, and the like. In someembodiments, the system is configured to present a customized interfacefor the user based on identifying the user using facial recognition.

In some embodiments, the computer terminal further comprises sensordevices 290. In some embodiments, the processor 210 communicates with,transmits instructions, and/or receives signals from the sensor devices290, in real-time for detecting the presence of the users or otherindividuals, determining user location, capturing authenticationcredentials for the user, determining parameters associated with theuser, determining trigger events, capturing one or more parametersassociated with the environment or physical location of the computerterminal 120, and the like. These sensor devices 112 may be contact typesensors that determine the presence of the user or object based oncontact, or non-contact type sensors that detect distant users orobjects. In some embodiments, the sensor devices 290 of the computerterminal are similar to the sensor devices 112 described previously, fordetermining the absolute or relative position, location, and proximityof the user, other individuals, or predetermined objects (such asvehicles, and vehicle features like contours of windows), within apredetermined proximity area. For example, the sensor devices 290 maycomprise ultrasonic sensors, optical sensors, photoelectric sensors,capacitance sensors, inductive proximity/position sensors, visualcapture devices (as described with respect to image/visual capturedevices 114 and 250), and the associated transducers, transmitter andmodulators, described in detail previously.

In some instances, the sensor devices 290 comprise biometric sensors forcapturing parameters associated with the user, such as fingerprintscanners, voice recognition sensors, facial recognition sensors, userstress level sensors and the like. These biometric sensors 290 areconfigured to retrieve, receive, analyze and or validate biometriccredentials associated with the user. In this regard, the biometricsensors 290 may comprise optical sensors, ultrasonic sensors, and/orcapacitance sensors. The biometric sensors may further comprise radiofrequency, thermal, pressure, piezo-resistive/piezoelectric,microelectromechanical sensors, and the like.

FIG. 3 illustrates a block diagram 300 of the processing system 130, inaccordance with some embodiments of the invention. As illustrated inFIG. 3 , the processing system 130 may include a communication device344, a processing device 342, and a memory device 350 having anauthentication application/module 353, a processing system application354 and a processing system datastore 355 stored therein. As shown, theprocessing device 342 is operatively connected to and is configured tocontrol and cause the communication device 344, and the memory device350 to perform one or more functions. Furthermore, the processing device342 is typically configured to control and cause the processing device210 of the computer terminal 120, the sensor devices 112, and visualcapture devices 114, to perform one or more functions. In someembodiments, the authentication application 353 and/or the processingsystem application 354 comprises computer readable instructions thatwhen executed by the processing device 342 cause the processing device342 to perform one or more functions and/or transmit controlinstructions to the computer terminal 120, the authentication database118, the third party system 116, the sensor devices 112, and visualcapture devices 114, and/or the communication device 344. It will beunderstood that the authentication application 353 and/or the processingsystem application 354 may be executable to initiate, perform, complete,and/or facilitate one or more portions of any embodiments describedand/or contemplated herein, and specifically embodiments directed touser activities. The authentication application 353 may compriseexecutable instructions associated with one or more authentication stepsof user activities, and may be embodied within the processing systemapplication 354 in some instances. In some embodiments, theauthentication application 353 is similar to the authentication module234 described previously. The processing system 130 may be owned by,operated by and/or affiliated with financial institutions or otherentities. Although some embodiments of the invention herein aregenerally described as involving a “financial institution,” one ofordinary skill in the art will appreciate that other embodiments of theinvention may involve other businesses that take the place of or work inconjunction with the financial institution to perform one or more of theprocesses or steps described herein as being performed by a financialinstitution. Still in other embodiments of the invention the financialinstitution described herein may be replaced with other types ofbusinesses that may provide payment accounts for transactions. Inaccordance with embodiments of the invention, the term “financialinstitution” refers to any organization in the business of moving,investing, or lending money, dealing in financial instruments, orproviding financial services. This includes commercial banks, thrifts,federal and state savings banks, savings and loan associations, creditunions, investment companies, merchants, insurance companies and thelike.

The communication device 344 may generally include a modem, server,transceiver, and/or other devices for communicating with other deviceson the network 101. The network communication device 344 may be acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network101, such as the processing system 130, the sensor devices 112, andvisual capture devices 114, other processing systems, data systems, etc.

Additionally, referring to processing system 130 illustrated in FIG. 3 ,the processing device 342 may generally refer to a device or combinationof devices having circuitry used for implementing the communicationand/or logic functions of the processing system 130. For example, theprocessing device 342 may include a control unit, a digital signalprocessor device, a microprocessor device, and various analog-to-digitalconverters, digital-to-analog converters, and other support circuitsand/or combinations of the foregoing. Control and signal processingfunctions of the system 130 may be allocated between these processingdevices according to their respective capabilities. The processingdevice 342 may further include functionality to operate one or moresoftware programs based on computer-executable program code 352 thereof,which may be stored in a memory device 350, such as the processingsystem application 354 and the authentication application 353. As thephrase is used herein, a processing device may be “configured to”perform a certain function in a variety of ways, including, for example,by having one or more general-purpose circuits perform the function byexecuting particular computer-executable program code embodied incomputer-readable medium, and/or by having one or moreapplication-specific circuits perform the function. The processingdevice 342 may be configured to use the network communication interfaceof the communication device 344 to transmit and/or receive data and/orcommands to and/or from the other devices/systems connected to thenetwork 101.

Furthermore, a “user interface” (not illustrated) may be associated withthe processing system 130 and may generally include a plurality ofinterface devices and/or software that allow a user to input commandsand data to direct the processing device to execute instructions. Forexample, the user interface may include a graphical user interface (GUI)or an interface to input computer-executable instructions that directthe processing device to carry out specific functions. The userinterface may employ certain input and output devices to input datareceived from the user 102 or output data to the user 102. These inputand output devices may include a display, mouse, keyboard, button,touchpad, touch screen, microphone, speaker, light, joystick, switch,and/or other customer input/output device for communicating with one ormore customers. In some embodiments, the user interface may be providedexternally to the processing system, for example on one or moreworkstations connected to the system 130, the user device 104 or thedisplay device 280 of the computer terminal 120. As another example, theuser interface may be provided on the computer terminal 120 that may becontrolled by the processing system 130 either directly or via theprocessing device 210 of the computer terminal 120.

The memory device 350 within the processing system 130 may generallyrefer to a device or combination of devices that store one or more formsof computer-readable media for storing data and/or computer-executableprogram code/instructions. For example, the memory device 350 mayinclude any computer memory that provides an actual or virtual space totemporarily or permanently store data and/or commands provided to theprocessing device 342 when it carries out its functions describedherein. The processing system 130 may be used by a third party/entity116 to interact with the computer terminal 120, based on providingrequisite authorization. The processing system 130 may further comprisea user data repository 356 comprising user authentication data 357 anduser account data 358. The processing system 130 may utilize theauthentication data 357 to validate user authentication credentials.Furthermore, the account data 358 may reflect the current account dataof the user.

FIG. 4 illustrates a block diagram 400 of the user device 104, such as auser mobile device, in accordance with some embodiments of theinvention. A “mobile device” 104 may be any mobile communication device,such as a cellular telecommunications device (i.e., a cell phone ormobile phone), personal digital assistant (PDA), a mobile Internetaccessing device, or another mobile device including, but not limited toportable digital assistants (PDAs), pagers, mobile televisions, laptopcomputers, cameras, video recorders, audio/video player, radio, GPSdevices, any combination of the aforementioned devices.

The mobile device 104 may generally include a processing device orprocessor 410 communicably coupled to devices such as, a memory device420, user output devices 430 (for example, a user display device 432, ora speaker 434), user input devices 440 (such as a microphone, keypad,touchpad, touch screen, and the like), a communication device or networkinterface device 470, a power source 415, a clock or other timer 480, avisual capture device such as a camera 450, a positioning system device460, such as a geo-positioning system device like a GPS device, anaccelerometer, and the like, one or more chips, and the like. Theprocessor 410 may further include a central processing unit 402,input/output (I/O) port controllers 404, a graphics controller 405, aserial bus controller 406 and a memory and local bus controller 408.

The processor 410 may include functionality to operate one or moresoftware programs or applications, which may be stored in the memorydevice 420. For example, the processor 410 may be capable of operatingapplications such as the activity application 425, a integrated resourcetransfer application 423, or a web browser application. The activityapplication 425 may then allow the mobile device 104 to transmit andreceive data and instructions from the computer terminal 120 (forexample, via wireless communication or NFC channels), data andinstructions from the processing system 130, web content, such as, forexample, location-based content and/or other web page content, accordingto a Wireless Application Protocol (WAP), Hypertext Transfer Protocol(HTTP), and/or the like.

The integrated resource transfer application 423 and the financial datamodule 427, together may include the necessary circuitry to providetoken storage and transmission functionality, transmitter device signalencoding and decoding functionality to the mobile device 104, for securetransmission of financial and authentication credential tokens via thecontactless communication interface 479 to the computer terminal 120.That said, in some embodiments the integrated resource transferapplication 423 is pre-installed on the user device 104, while in otherembodiments, the terminal 120 may transmit and cause installation of theapplication 423 based on determining that the user device 104 does notcomprise the application 423, when the user device is within apre-determined distance from the terminal 120.

The processor 410 may be configured to use the network interface device470 to communicate with one or more other devices on a network 101 suchas, but not limited to the computer terminal 120 and the processingsystem 130. In this regard, the network interface device 470 may includean antenna 476 operatively coupled to a transmitter 474 and a receiver472 (together a “transceiver”), modem 478 and a contactlesscommunication interface 479. The processor 410 may be configured toprovide signals to and receive signals from the transmitter 474 andreceiver 472, respectively. The signals may include signalinginformation in accordance with the air interface standard of theapplicable BLE standard, cellular system of the wireless telephonenetwork and the like, that may be part of the network 101. In thisregard, the mobile device 104 may be configured to operate with one ormore air interface standards, communication protocols, modulation types,and access types. By way of illustration, the mobile device 104 may beconfigured to operate in accordance with any of a number of first,second, third, and/or fourth-generation communication protocols and/orthe like. For example, the mobile device 104 may be configured tooperate in accordance with second-generation (2G) wireless communicationprotocols IS-136 (time division multiple access (TDMA)), GSM (globalsystem for mobile communication), and/or IS-95 (code division multipleaccess (CDMA)), or with third-generation (3G) wireless communicationprotocols, such as Universal Mobile Telecommunications System (UMTS),CDMA2000, wideband CDMA (WCDMA) and/or time division-synchronous CDMA(TD-SCDMA), with fourth-generation (4G) wireless communicationprotocols, and/or the like. The mobile device 104 may also be configuredto operate in accordance with non-cellular communication mechanisms,such as via a wireless local area network (WLAN) or othercommunication/data networks. The mobile device 104 may also beconfigured to operate in accordance Bluetooth® low energy, audiofrequency, ultrasound frequency, or other communication/data networks.

The network interface device 470 or communication device 470 may alsoinclude a user activity interface presented in user output devices 430in order to allow a user 102 to execute some or all of processesdescribed herein. The application interface may have access to thehardware, for example, the transceiver, and software previouslydescribed with respect to the network interface device 470. Furthermore,the application interface may have the ability to connect to andcommunicate with an external data storage on a separate system withinthe network 101. As described above, the mobile device 104 includes adisplay device 432 having a user interface that includes user outputdevices 430 and/or user input devices 440. The user output devices 430may include a display 432 (e.g., a liquid crystal display (LCD) or thelike) and a speaker 434 or other audio device, which are operativelycoupled to the processor 410. The user input devices 440, which mayallow the mobile device 104 to receive data from the user 102, mayinclude any of a number of devices allowing the mobile device 104 toreceive data from a user 102, such as a keypad, keyboard, touch-screen,touchpad, microphone, mouse, joystick, other pointer device, button,soft key, and/or other input device(s).

The mobile device 104 may further include a power source 415. Generally,the power source 415 is a device that supplies electrical energy to anelectrical load. In some embodiment, power source 415 may convert a formof energy such as solar energy, chemical energy, mechanical energy, andthe like, to electrical energy. Generally, the power source 415 in amobile device 104 may be a battery, such as a lithium battery, anickel-metal hydride battery, or the like, that is used for poweringvarious circuits, for example, the transceiver circuit, and otherdevices that are used to operate the mobile device 104. Alternatively,the power source 415 may be a power adapter that can connect a powersupply from a power outlet to the mobile device 104. In suchembodiments, a power adapter may be classified as a power source “in”the mobile device 104.

The mobile device 104 may also include a memory buffer, cache memory ortemporary memory device operatively coupled to the processor 410.Typically, one or more applications 425 and 423, are loaded into thetemporarily memory during use. As used herein, memory may include anycomputer readable medium configured to store data, code, or otherinformation. The memory device 420 may include volatile memory, such asvolatile Random Access Memory (RAM) including a cache area for thetemporary storage of data. The memory device 420 may also includenon-volatile memory, which can be embedded and/or may be removable. Thenon-volatile memory may additionally or alternatively include anelectrically erasable programmable read-only memory (EEPROM), flashmemory or the like.

In some instances, various features and functions of the invention aredescribed herein with respect to a “system.” In some instances, thesystem may refer to the computer terminal 120 performing one or moresteps described herein in conjunction with other devices and systems,either automatically based on executing computer readable instructionsof the memory device 230, or in response to receiving controlinstructions from the processing system 103. In some instances, thesystem refers to the processing system 103. In some instances, thesystem refers to the devices and systems on the network environment 100of FIG. 1 . In some instances, the system refers to the mobile device104. The features and functions of various embodiments of the inventionare be described below in further detail.

FIG. 5 illustrates a high level process flow 500 for combination oftemporal resource activity data and resource transmission, in accordancewith some embodiments of the invention. As discussed previously, a useris typically associated with a mobile device (e.g., mobile device 104).As alluded to previously, the functionality of a computer terminal(first network device) of the present invention is fundamentallytransformed herein to combine disparate activities and process themtogether, without requiring initiating of separate activities, whichwould not be possible in the absence of the invention. Specifically, theinvention is configured to concatenate time dependent sequentialactivity data structures such that resource transmission for animpending resource activity may be performed at an antecedent resourceactivity associated with the sequential activity data structures.

As alluded to previously, activities may be initiated by a networkeddevice. However, in conventional systems, once initiated, the datastructures of the activity cannot be modified. For example, a firstresource transfer (e.g., transaction, payment, etc.) may be initiated ata networked device (e.g., ATM, point of sale terminal, etc.) by a user.The first resource transfer is processed by transmitting data structurescorresponding to a first resource value (e.g., a payment) from a firstresource (e.g., an account associated with the user) to a secondresource (e.g., an account associated with another entity such as amerchant). Once the first resource transfer is initiated in conventionalsystems, it typically cannot be modified in situ. As another example, auser may initiate an activity of a video conference. The conference iscommenced by first creating data structures corresponding to thecommunication and access configuration resources (e.g., permissions) ofthe video conference, and transmitting them to one or more othernetworked devices associated with the participants of the videoconference, after which the creating data structures corresponding tothe communication and access configurations (e.g., permissions) of thevideo conference typically cannot be modified without interrupting theconference set-up process. Here, any alteration to the initiated useractivity, even if possible, may require abandoning the already initiatedactivity and initiating yet another activity. For example, conventionalsystems may need to abandon the existing resource transfer and initiatea new resource transfer (e.g., new payment transfer, new videoconference, etc.). Sudden abandoning of the initiated activities maycause systems to freeze resulting in undesirable downtime. Moreover,this requires increased processing capacity and may be detrimental tocommunication speeds due to the additional number of activities requiredto be initiated in place of the abandoned activities. Moreover,conventional systems lack the ability to proactively combine disparateactivities, much less activities that are associated with distinct timeintervals, hence further requiring an increased number of activities tobe processed and transmitted which in turn requires even more processingand communication capability. A needs exists for systems and methods forimproving the functionality and processing capability of networkeddevices for dynamically performing activities.

The present invention addresses the foregoing needs and also providesimprovement to technology by improving the functionality of andprocessing capability of networked devices, by configuring the networkeddevices for proactive combination of temporal resource activity data anddynamic transmission of resources. The present invention provides afirst improvement to conventional systems by configuring networkeddevices to dynamically modify initiated user activities, withoutrequiring abandonment of the initiated activity. As a secondimprovement, upon initiation of a first activity, the present inventionis structured to proactively, and in real time, (i) determine a secondactivity (also referred to as an auxiliary activity) associated with thefirst activity, and (ii) dynamically modify the first activity to linkthe second activity therewith such that the first activity and secondactivity are processed together, which is typically not possible in theabsence of the present invention. As a third improvement provided by thepresent invention, the present invention is not only configured todynamically modify an initiated first activity by concatenating/linkingit with an associated second activity, the present invention is alsostructured to dynamically modify the initiated first activity using atime dependent second activity, such that an impending second resourceactivity associated with (e.g., scheduled for) a predetermined time inthe future may still be concatenated/linked with the first activityoccurring in the present.

For example, the system may determine that the user has initiated afirst resource activity of a purchase transaction at a point of saleterminal (first networked device) associated with a first entity (e.g.,first store). Here, the system may, dynamically and in real-time, modifythe purchase transaction at the first networked device, in order to linka second resource activity associated with a second entity that isassociated with a time in the future, such as initiating atransportation for the user such as a cab with the transportationscheduled to account after a predetermined time interval, purchase of afood item from a second entity (e.g., second store) scheduled forpick-up at a time interval in the future, such that the user can pay forboth the first and second activities together at the point of saleterminal in an antecedent matter (e.g., beforehand), e.g., based onreceiving user approval.

As another example, the system may determine that the user seeks tovisit a sporting event based on a first activity trigger signal ofpurchase of entry tickets. Here, the system may analyze the firstactivity information included in the trigger signal such as the time andlocation of the event, distance from user's residence/work location,etc., and subsequently determine that the user would need to perform asecond/auxiliary activity of purchasing a parking ticket for parking theuser's vehicle at the time of the event. The system may automaticallyand dynamically modify the first activity to include the secondactivity, and process both of them.

As another example, as discussed above, based on determining that theuser has initiated a first activity of a video conference, the systemmay identify an additional second/auxiliary activity of configuringnetwork devices of the participants (e.g., user laptop computers), suchthat the network devices of the participants activate predeterminedaudio/video connectivity (e.g., activate display of predeterminedinterfaces (e.g., slideshows), activate screen sharing, mute speakers,etc.) after a certain time interval after the video conference hascommenced. The system may then dynamically modify the data structurescorresponding to the communication and access configuration resources ofthe video conference to include that of the second activity, andtransmit them to one or more other networked devices associated with theparticipants of the video conference.

These features will now be described in detail with respect to theprocess flow 500 of FIG. 5 . As indicated by block 510, in someinstances, the system (e.g., processing system 103, the computerterminal 120 and/or the mobile device 104) receives a first triggersignal from a first networked device of a plurality of networked devicesat a first time interval. Typically, the system, for example, via acommunication device of the system, is configured to establish operativecommunication with a plurality of networked devices via an electroniccommunication network (e.g., network 101). The plurality of networkeddevices (e.g., the first networked device) may include one or more ofmobile devices associated with users (e.g., mobile device 104, and/orpositioning system device 460 of the mobile device), the computerterminals (e.g., computer terminal 120), sensor devices (e.g., sensordevices 112), one or more visual capture devices (e.g., devices 114),proximity sensors and position sensors described previously, and/or thelike. In some embodiments, the first trigger signal comprises a firstactivity data structure comprises a first activity data structureconstructed by the first networked device. In some embodiments, thefirst trigger signal comprises a first activity data structure comprisesat least one of a user input provided at the mobile device and/or thefirst networked device. In other instances, the system may receive atrigger signal from a smart device, such as a smart car, a smart door,or a smart television, indicating that the user has performed one ormore predetermined activities associated with the smart device, based onprior user permissions and settings. In yet other instances, the triggersignal comprising a user geographic location signal is received from apositioning device of the mobile device (e.g., positioning system device460 of the mobile device) when the user location coordinates areassociated with a predetermined location or area or within apredetermined proximity of another device. In some embodiments, thesystem may identify the trigger signal based on analyzing user calendardata received from a calendar application stored on the mobile device.In some embodiments, the trigger signal may be received from an externalsystem (e.g., social networking systems, merchant systems, and thelike). In some embodiments, the trigger signal is transmitted by theproximity transmitter device when the user is within a predeterminedproximity of the proximity transmitter device (e.g., proximity sensorsand position sensors described previously). In some embodiments, thetrigger signal is typically received in real time or near-real time ofthe user seeking to initiate a network activity. In some embodiments,the trigger signal comprises activity data associated with the user. Theactivity data may comprise user information, user resource (account)information, device location, time period, user preferences, userpermissions, and/or other information relevant to the network activitythat the user seeks to perform.

Next, as indicated by block 520, based on analyzing the first triggersignal, the system is configured to identify a first resource activityinitiated by a user at the first time interval. Typically, the networkactivity is associated with a user resource. For example, based onreceiving a trigger signal indicating a request for transmission of aresource value from a merchant, the system may determine that the userhas initiated a transaction at a merchant. As another example, thesystem may determine that the user seeks to visit a sporting event basedon a first activity trigger signal of purchase of entry tickets. As yetanother example, the system may analyze a first trigger signal from acommunication component/device of a user device and determine that theuser has initiated a first activity of a video conference with aplurality of auxiliary users associated with respective devices.

As indicated by block 530, the system may identify a secondary activitythat the user may be required to or may seek to perform subsequently/atan upcoming time. Specifically, the system may determine a secondresource activity associated with the user such that (i) the secondresource activity comprises a user nexus with the first resourceactivity, and (ii) the second resource activity is associated with asecond time interval succeeding the first time interval. Determining a“user nexus” between the first resource activity and the second resourceactivity may refer to determining/constructing/detecting a relationship,an overlap, a commonality, etc., e.g., between otherwise temporallydisparate first and second resource activities. In some instances, thesystem may determine a “user nexus” between the first resource activityand the second resource activity based on a relationship, an overlap, acommonality, etc., between technical characteristics of the first andsecond resource activities, such as activity type information, temporalactivity information, positional/geographic information, prior activityperformance information, and/or future activity schedule information,etc., as will be described in detail below.

In some embodiments, for determining the user nexus, the system mayfirst analyze a prior user activity log associated with the user. Thesystem may parse prior user activity data of numerous prior activities.The system may then identify a prior first resource activity associatedwith the first networked device in the user activity log, that issubstantially similar to the current first resource activity. Forexample, for a current first resource activity of the purchasing ticketsto a sporting event, the system may identify a prior first resourceactivity previously conducted by the user of purchase of tickets for amusical event at a prior date/time A. The system may further identify aprior second resource activity (and/or one or more prior third resourceactivities) associated from the user activity log. Continuing with theprevious example, the system may identify and parse through prior useractivities that occurred after the prior first resource activity for apredetermined time interval succeeding the prior first activity. Here,the system may identify that the musical event occurred at a priordate/time B succeeding date/time A, and determine the predetermined timeinterval to be the time period between the data/time A and date/time B,and analyze activities conducted by the user therein. The systemtypically (i) selects the prior second resource activity (and/or one ormore prior third resource activities) as the second resource activity(and/or one or more third resource activities), and (ii) determines thatthe second resource activity (and/or one or more third resourceactivities) comprises the user nexus with the first resource activity.Continuing with the previous example, the system may identify a priorsecond activity that the user previously purchased parking tickets adate/time between times A and B, for parking a geographic location atthe event. In response to determining that the prior first activity andthe currently being analyzed first resource activity are both resourcetype events, the system may determine a second resource activity ofpurchasing parking tickets as well. The system may further customize thesecond resource activity of purchasing parking tickets to the locationand time of the currently being analyzed first resource activity. Here,the second activity data structure of the second activity is constructedsuch that parking tickets are obtained for a time (i.e., the second timeinterval) and a location corresponding to the event of the firstresource activity.

In some embodiments, alone or in combination with the previousembodiments, for determining the user nexus, the system may firstdetermine a geographic location of the first networked device, usingpositioning devices are described previously. The system may thenconstruct a geofence associated with the geographic location of thefirst networked device, wherein the geofence is associated with ageographic area within a predetermined distance range from thegeographic location of the first networked device. The system mayidentify a second resource activity (and/or one or more third resourceactivities) associated with the user (e.g., based on scheduled useractivities, prior user activities as described above, etc.). In responseto at least determining that a geographic location of the secondresource activity is within the geofence, the system may determine thatthe second resource activity (and/or one or more third resourceactivities) comprises the user nexus with the first resource activity.For example, the system may determine that the user has initiated afirst resource activity of a purchase transaction at a point of saleterminal (first networked device) associated with a first entity (e.g.,first store) located at a first location (e.g., GPS coordinates, zipcode, etc.). Here, the system may determine a second resource activityassociated with a second entity for the user within a predeterminedgeographic proximity of the first activity (e.g., within the same zipcode, within a 1-mile radius, within predetermined walkable distance,etc.), the second resource activity being associated with a time in thefuture (e.g. within 5-10 minutes or 10-15 minutes succeeding the firstresource activity). Here, the second resource activity may compriseinitiating a transportation for the user such as a cab from the locationof the first resource activity, purchase of a food item from a secondentity (e.g., second store) within a predetermined geographic proximityof the location of the first activity and scheduled for pick-up at atime interval in the future (e.g., within a time interval associatedwith the user commuting between the locations of the first activity andthe second activity within the geographic fence), etc.

In some embodiments, alone or in combination with the previousembodiments, for determining the user nexus, the system may firstidentify a future scheduled activity associated with the user. Inresponse to at least determining that the future scheduled activity isscheduled for a time within a predetermined time interval from the firstresource activity, the system may (i) select the future scheduledactivity as the second resource activity (and/or one or more thirdresource activities), and (ii) determine that the second resourceactivity (and/or one or more third resource activities) comprises theuser nexus with the first resource activity. As an example, as discussedabove, based on determining that the user has initiated a first activityof a video conference, the system may identify a future scheduledactivity of configuring network devices of the participants (e.g., userlaptop computers), such that the network devices of the participantsactivate predetermined audio/video connectivity (e.g., activate displayof predetermined interfaces (e.g., slideshows), activate screen sharing,mute speakers, etc.), as the second resource activity, with the usernexus being that both the activities are associated with the same videoconference.

In some embodiments, for determining that the second resource activityassociated with the user, the system may first determine an activityentity system associated with the second resource activity. The systemmay further determine, via operative communication with the activityentity system, an activity availability and an activity resource valueassociated with the second activity data. Finally, the system maydetermine that (i) the activity availability is above a predeterminedthreshold (e.g., the items, resources, services, etc. associated withthe second activity are available for the time required an in thequantity required), and (ii) the activity resource value is below aresource availability value associated with the user (e.g., the resourcevalue (e.g., cost/amount) of the items, resources, services, etc.associated with the second activity is below resources available to theuser (e.g., available budget amount of the user)). Typically, the secondactivity data structure associated with the second resource activitycomprises the activity resource value.

In response to identifying a secondary activity that the user may berequired to or may seek to perform subsequently/at an upcoming time witha user nexus to the first resource activity, the system may thenconstruct a second activity data structure associated with the secondresource activity associated with the second time interval. The secondactivity data structure may be substantially similar to the firstactivity data structure. The second activity data structure may comprise(i) technical activity characteristics (e.g., devices involved,communication protocols, resources involved, resource values to betransferred, entity identifiers, unique identifier of the resourceactivity, time interval for conducting the resource activity etc.)and/or instructions for executing/conducting the resource activity(e.g., authorization/authentication requirements, etc.). As an example,as discussed above, based on determining that the user has initiated afirst activity of a video conference, the system may identify anadditional second/auxiliary activity of configuring network devices ofthe participants (e.g., user laptop computers), such that the networkdevices of the participants activate predetermined audio/videoconnectivity (e.g., activate display of predetermined interfaces (e.g.,slideshows), activate screen sharing, mute speakers, etc.) after acertain time interval after the video conference has commenced. Thesystem may then dynamically construct a second activity data structurecorresponding to the communication and access configuration resources ofthe video conference to include that of the second activity.

Subsequently, the system may construct a linked temporal activity datastructure comprising the second activity data structure linked with thefirst activity data structure of the first resource activity. Here,linking the activity data structures is structured to cause both of theactivities to be processed together. It is noted that, the secondactivity and secondary activity may refer to multiple additionalactivities. For example, the system may determine one or more thirdactivities that the user may be required to or seek to perform. Here,the system may determine one or more third resource activitiesassociated with the user such that (i) each of the one or more thirdresource activities comprises a user nexus with the first resourceactivity, and (ii) each of the one or more third resource activities isassociated with a third time interval succeeding the first timeinterval.

At block 540, the system may then transmit via the first operativecommunication channel, a second trigger signal comprising the linkedtemporal activity data structure to the first networked device. In theembodiments where the system also identifies one or more third resourceactivities, the system may also construct, for the one or more thirdresource activities, one or more third activity data structures.Moreover, the system may construct the linked temporal activity datastructure such that (i) the second activity data structure and (ii) theone or more third activity data structures are linked with (iii) thefirst activity data structure. For the example of the first activity ofa video conference and a second activity of configuring network devicesof the participants (e.g., user laptop computers), the system may thenlink the data structures corresponding to the first and secondactivities) and transmit them to one or more other networked devicesassociated with the participants of the video conference, such that thenetwork devices of the participants activate predetermined audio/videoconnectivity (e.g., activate display of predetermined interfaces (e.g.,slideshows), activate screen sharing, mute speakers, etc.) after acertain time interval after the video conference has commenced.

Here, as indicated by block 550, the second trigger signal is structuredto modify the first resource activity at the first networked device tolink the second resource activity with the first resource activity suchthat the second resource activity is initiated concurrently with thefirst resource activity prior to the second time interval associatedwith the second resource activity. For example, second trigger signal isstructured to modify the purchase transaction at the first networkeddevice, in order to link a second resource activity associated with asecond entity that is associated with a time in the future, such asinitiating a transportation for the user such as a cab with thetransportation scheduled to account after a predetermined time interval,purchase of a food item from a second entity (e.g., second store)scheduled for pick-up at a time interval in the future, such that theuser can pay for both the first and second activities together at thepoint of sale terminal in an antecedent matter (e.g., beforehand), e.g.,based on receiving user approval. In the embodiments where the systemalso identifies one or more third resource activities, the secondtrigger signal is typically structured to modify the first resourceactivity at the first networked device to link the one or more thirdresource activities with the first resource activity such that each ofthe one or more third resource activities are initiated concurrentlywith the first resource activity prior to the third time intervalassociated with the third resource activity.

Here, in some embodiments, the system may present the linked temporalactivity data structure associated with the first resource activity andthe second resource activity, to the user. In this regard, the systemmay modify, dynamically, an existing presentation associated with thefirst resource activity on a display device of the first networkeddevice by inserting a presentation associated with the second activitydata structure of the second resource activity (and/or the one or morethird activity data structures of the one or more third resourceactivities). The system may further configure the first networked devicefor performing the at least one resource transfer associated with thefirst resource activity and the second resource activity.

In this regard, the system may transmit, a third trigger signalcomprising the linked temporal activity data structure to a user deviceassociated with the user. Typically, the second trigger signal isstructured to cause the user device to display a user interfaceassociated with the first resource activity and the second resourceactivity (and/or one or more third resource activities). The system maythen receive, via the user device, at least one user input associatedwith authorizing the second user activity (and/or one or more thirdresource activities). In response to receiving the at least one userinput authorizing the second user activity, the system may transmit thesecond trigger signal to the first networked device.

In this regard, the system may allow the user to modify the secondactivity (and/or one or more third resource activities), e.g., to changeone or more technical activity characteristics or parameters (such as,time, resources involved, etc.). Here, the system may receive, via theuser device, a change user input associated with modifying the seconduser activity. In response to receiving the change user input, thesystem may modify the linked temporal activity data structure.Typically, the second trigger signal comprises the modified linkedtemporal activity data structure.

Next at block 560, the system initiates, via the first networked device,at least one resource transfer for performing the first resourceactivity and the second resource activity, wherein the at least oneresource transfer is initiated prior to the second time intervalassociated with the second resource activity. In this regard, the secondactivity may be processed (e.g., items/resources reserved) and anyassociated resource transfers (e.g., payments) are completed along withthat of the first resource activity, while the second activity (e.g.,event, scheduled pick-up, etc.) remains scheduled for the future time.In the embodiments where the system also identifies one or more thirdresource activities, initiating the at least one resource transfer alsocomprises initiating the at least one resource transfer for performingthe first resource activity, the second resource activity, and one ormore third resource activities

In some embodiments, the system may receive a user input associated withauthorizing the second user activity at the user device. Based on atleast the user input, the system may concurrently perform (i) the firstresource activity and (ii) the second resource activity (and/or (iii)one or more third resource activities) at the first networked deviceprior to the second time interval associated with the second resourceactivity.

Here, in some embodiments, the at least one resource transfer comprisesa first resource transfer associated with the first resource activityand a second resource transfer associated with the second resourceactivity. In the embodiments where the system also identifies one ormore third resource activities, initiating the at least one resourcetransfer comprises initiating the at least one resource transfer forperforming the first resource activity, the second resource activity,and one or more third resource activities. The system may furtherconcurrently initiate (i) transmission of the first resource transferassociated with the first resource activity to a first entity resourceassociated with the first networked device, and (ii) transmission of thesecond resource transfer associated with the second resource activity toa second entity resource not associated with the first networked device,without requiring initiation of another resource activity.

In some embodiments, the system may access a mobile device securityidentifier stored in the user device, and validate user authenticationcredentials received at the user device from the user. Typically, the(i) the first resource activity and (ii) the second resource activityare performed at the first networked device based on at least (i)successful validation of the user authentication credentials and (ii)the mobile device security identifier.

Subsequently, at block 570, the system may transmit, a control signal toa mobile device associated with the user based on completion of thefirst resource activity and the second resource activity, e.g., in theform of a notification. In the embodiments where the system alsoidentifies one or more third resource activities, the system may alsotransmit a control signal to a mobile device associated with the userbased on completion of the one or more third resource activities.

In some embodiments, the system may access a mobile device securityidentifier stored in the mobile device, such as a secure storagelocation accessible only by an application associated with the presentinvention. In some embodiments, the secure storage location containspredetermined code, which is configured to generate a unique encodedmobile device security identifier token, every time the identifier isrequested. In this regard, only secure or pre-authenticated networkeddevices may comprise a decoding algorithm configured for processing theencoded mobile device security identifier. Next, the system or theassociated networked device (e.g., computer terminal) may validate userauthentication credentials received at the mobile device from the user.Subsequently, the system may authenticate, the mobile device forperforming the network activity via the channel, based on (i) successfulvalidation of the user authentication credentials, and (ii) the mobiledevice security identifier. In response, the system may allow the userto perform the user activity, via the network activity channel, usingthe mobile device.

Alternatively or in addition to the above, the mobile device mayvalidate security credentials received from the networked devices.Subsequently, the mobile device may authenticate the networked deviceprior to establishing an operative coupling of the mobile device and thenetworked device (e.g., computer terminal).

In some embodiments, in response to identifying a trigger signal and atime-sensitive network activity, the system may determine that the usermobile device is offline, for example, due to an existing internalprocess currently running (e.g., battery conservation setting). Here,the system is configured for transmitting an activation signal to themobile device, e.g., via a data network or a text message, or via a nearfield communication signal from a nearby device (e.g., smart speaker oranother smart device). This activation signal is configured to cause anoffline mobile device to connect to the communication network (e.g., bydisabling the internal process).

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, and/or thelike. In some embodiments, the one or more computer-executable programcode portions for carrying out operations of embodiments of the presentinvention are written in conventional procedural programming languages,such as the “C” programming languages and/or similar programminglanguages. The computer program code may alternatively or additionallybe written in one or more multi-paradigm programming languages, such as,for example, F #.

Some embodiments of the present invention are described herein abovewith reference to flowchart illustrations and/or block diagrams ofapparatuses and/or methods. It will be understood that each blockincluded in the flowchart illustrations and/or block diagrams, and/orcombinations of blocks included in the flowchart illustrations and/orblock diagrams, may be implemented by one or more computer-executableprogram code portions. These one or more computer-executable programcode portions may be provided to a processor of a general purposecomputer, special purpose computer, and/or some other programmable dataprocessing apparatus in order to produce a particular machine, such thatthe one or more computer-executable program code portions, which executevia the processor of the computer and/or other programmable dataprocessing apparatus, create mechanisms for implementing the stepsand/or functions represented by the flowchart(s) and/or block diagramblock(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g., amemory, etc.) that can direct, instruct, and/or cause a computer and/orother programmable data processing apparatus to function in a particularmanner, such that the computer-executable program code portions storedin the computer-readable medium produce an article of manufactureincluding instruction mechanisms which implement the steps and/orfunctions specified in the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

As used herein, a processor/computer, which may include one or moreprocessors/computers, may be “configured to” perform a stated functionin a variety of ways, including, for example, by having one or moregeneral-purpose circuits perform the stated function by executing one ormore computer-executable program code portions embodied in acomputer-readable medium, and/or by having one or moreapplication-specific circuits perform the stated function.

While the foregoing disclosure discusses illustrative embodiments, itshould be noted that various changes and modifications could be madeherein without departing from the scope of the described aspects and/orembodiments as defined by the appended claims. Furthermore, althoughelements of the described aspects and/or embodiments may be described orclaimed in the singular, the plural is contemplated unless limitation tothe singular is explicitly stated. Additionally, all or a portion of anyembodiment may be utilized with all or a portion of any otherembodiment, unless stated otherwise.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs are possible. Those skilled inthe art will appreciate that various adaptations and modifications ofthe just described embodiments can be configured without departing fromthe scope and spirit of the invention. Therefore, it is to be understoodthat, within the scope of the appended claims, the invention may bepracticed other than as specifically described herein.

What is claimed is:
 1. A system for combination of temporal resourceactivity data and resource transmission, the system comprising: a memorydevice with computer-readable program code stored thereon; acommunication device, wherein the communication device is configured toestablish operative communication with a plurality of networked devicesvia a communication network; a processing device operatively coupled tothe memory device and the communication device, wherein the processingdevice is configured to execute the computer-readable program code to:receive, via a first operative communication channel, a first triggersignal from a first networked device of the plurality of networkeddevices at a first time interval, wherein the first trigger signalcomprises a first activity data structure; based on analyzing the firsttrigger signal, identify a first resource activity initiated by a userat the first networked device at the first time interval; determine asecond resource activity associated with the user such that the secondresource activity comprises a first user nexus with the first resourceactivity, and the second resource activity is associated with a secondtime interval succeeding the first time interval, wherein determiningthe second resource activity further comprises determining the firstuser nexus based on one or more technical characteristics of the firstresource activity and the second resource activity comprising temporalactivity information, geographic information, activity type, prioractivity log, and/or future activity schedule; determine a thirdresource activity associated with the user such that the third resourceactivity comprises a second user nexus with the first resource activityand the third resource activity is associated with a third time intervalsucceeding the first time interval, wherein determining the thirdresource activity further comprises determining the second user nexusbased on one or more technical characteristics of the second resourceactivity and the third resource activity comprising temporal activityinformation, geographic information, activity type, prior activity log,and/or future activity schedule; construct a linked temporal activitydata structure comprising data associated with the second resourceactivity and the third resource activity linked with data associatedwith the first resource activity; transmit, via a first operativecommunication channel, the linked temporal activity data structure tothe first networked device to modify the first resource activity suchthat the second resource activity and the third resource activity areinitiated concurrently with the first resource activity; and transmit, acontrol signal to a mobile device associated with the user based oncompletion of the first resource activity, the second resource activity,and the third resource activity prior to the second time intervalassociated with the second resource activity and the third time intervalassociated with the third resource activity.
 2. The system of claim 1,wherein transmitting the linked temporal activity data structure to thefirst networked device further comprises: displaying, at the mobiledevice, a user interface associated with the first resource activity andthe second resource activity; receiving, via the mobile device, at leastone user input associated with authorizing the second resource activity;and in response to receiving the at least one user input authorizing thesecond resource activity, transmitting the linked temporal activity datastructure to the first networked device.
 3. The system of claim 2,wherein receiving the at least one user input associated withauthorizing the second resource activity: receiving, via the mobiledevice, a change user input associated with modifying the secondresource activity; and in response to receiving the change user input,modify the linked temporal activity data structure; and wherein themodified linked temporal activity data structure is transmitted to thefirst networked device.
 4. The system of claim 1, wherein transmittingthe linked temporal activity data structure to the first networkeddevice further comprises: presenting the linked temporal activity datastructure associated with the first resource activity and the secondresource activity, comprising: modifying, dynamically, an existingpresentation associated with the first resource activity on a displaydevice of the first networked device by inserting a presentationassociated with the second resource activity; and configuring the firstnetworked device for performing at least one resource transferassociated with the first resource activity, the second resourceactivity, and the third resource activity.
 5. The system of claim 1,wherein determining that the second resource activity comprises the usernexus with the first resource activity further comprises: determining ageographic location of the first networked device; constructing ageofence associated with the geographic location of the first networkeddevice, wherein the geofence is associated with a geographic area withina predetermined distance range from the geographic location of the firstnetworked device; identifying the second resource activity associatedwith the user; and in response to at least determining that a geographiclocation of the second resource activity is within the geofence,determining that the second resource activity comprises the user nexuswith the first resource activity.
 6. The system of claim 1, whereindetermining that the second resource activity comprises the user nexuswith the first resource activity further comprises: analyzing a prioruser activity log associated with the user; identifying a prior firstresource activity associated with the first networked device in theprior user activity log; identifying a prior second resource activityassociated from the prior user activity log; and in response to at leastdetermining that the prior second resource activity occurred at a timewithin a predetermined time interval from the prior first resourceactivity, (i) selecting the prior second resource activity as the secondresource activity, and (ii) determining that the second resourceactivity comprises the user nexus with the first resource activity. 7.The system of claim 1, wherein determining that the second resourceactivity comprises the user nexus with the first resource activityfurther comprises: identifying a future scheduled activity associatedwith the user; and in response to at least determining that the futurescheduled activity is scheduled for a time within a predetermined timeinterval from the first resource activity, (i) selecting the futurescheduled activity as the second resource activity, and (ii) determiningthat the second resource activity comprises the user nexus with thefirst resource activity.
 8. The system of claim 1, wherein determiningthe second resource activity associated with the user further comprises:determining an activity entity system associated with the secondresource activity; determining, via operative communication with theactivity entity system, an activity availability and an activityresource value associated with the second resource activity; anddetermining that (i) the activity availability is above a predeterminedthreshold, and (ii) the activity resource value is below a resourceavailability value associated with the user.
 9. The system of claim 1,wherein the processing device is configured to execute thecomputer-readable program code to: initiate, via the first networkeddevice, at least one resource transfer for performing the first resourceactivity, the second resource activity, and the third resource activity,wherein the at least one resource transfer is initiated prior to thesecond time interval associated with the second resource activity. 10.The system of claim 9, wherein the processing device is configured toexecute the computer-readable program code to: receive a user inputassociated with authorizing the second resource activity at the mobiledevice; and based on at least the user input, concurrently perform (i)the first resource activity and (ii) the second resource activity at thefirst networked device prior to the second time interval associated withthe second resource activity.
 11. The system of claim 10, wherein the atleast one resource transfer comprises a first resource transferassociated with the first resource activity and a second resourcetransfer associated with the second resource activity, and whereinperforming (i) the first resource activity and (ii) the second resourceactivity comprises: initiating, concurrently, (i) transmission of thefirst resource transfer associated with the first resource activity to afirst entity resource associated with the first networked device, and(ii) transmission of the second resource transfer associated with thesecond resource activity to a second entity resource not associated withthe first networked device, without requiring initiation of anotherresource activity.
 12. The system of claim 11, wherein receiving theuser input associated with authorizing the second resource activityfurther comprises: accessing a mobile device security identifier storedin the mobile device; validating user authentication credentialsreceived at the mobile device from the user; and wherein the (i) thefirst resource activity and (ii) the second resource activity areperformed at the first networked device based on at least (i) successfulvalidation of the user authentication credentials and (ii) the mobiledevice security identifier.
 13. The system of claim 1, wherein the firstnetworked device is a transaction terminal.
 14. A computer programproduct for combination of temporal resource activity data and resourcetransmission, wherein the computer program product comprises at leastone non-transitory computer-readable medium having computer-readableprogram code portions embodied therein, the computer-readable programcode portions which when executed by a processing device are configuredto cause the processor to: receive, via a first operative communicationchannel, a first trigger signal from a first networked device of theplurality of networked devices at a first time interval, wherein thefirst trigger signal comprises a first activity data structure; based onanalyzing the first trigger signal, identify a first resource activityinitiated by a user at the first networked device at the first timeinterval; determine a second resource activity associated with the usersuch that the second resource activity comprises a first user nexus withthe first resource activity, and the second resource activity isassociated with a second time interval succeeding the first timeinterval, wherein determining the second resource activity furthercomprises determining the first user nexus based on one or moretechnical characteristics of the first resource activity and the secondresource activity comprising temporal activity information, geographicinformation, activity type, prior activity log, and/or future activityschedule; determine a third resource activity associated with the usersuch that the third resource activity comprises a second user nexus withthe first resource activity and the third resource activity isassociated with a third time interval succeeding the first timeinterval, wherein determining the third resource activity furthercomprises determining the second user nexus based on one or moretechnical characteristics of the second resource activity and the thirdresource activity comprising temporal activity information, geographicinformation, activity type, prior activity log, and/or future activityschedule; construct a linked temporal activity data structure comprisingdata associated with the second resource activity and the third resourceactivity linked with data associated with the first resource activity;transmit, via a first operative communication channel, the linkedtemporal activity data structure to the first networked device to modifythe first resource activity such that the second resource activity andthe third resource activity are initiated concurrently with the firstresource activity; and transmit, a control signal to a mobile deviceassociated with the user based on completion of the first resourceactivity, the second resource activity, and the third resource activityprior to the second time interval associated with the second resourceactivity and the third time interval associated with the third resourceactivity.
 15. The computer program product of claim 14, whereintransmitting the linked temporal activity data structure to the firstnetworked device further comprises: displaying, at the mobile device, auser interface associated with the first resource activity and thesecond resource activity; receiving, via the mobile device, at least oneuser input associated with authorizing the second resource activity; andin response to receiving the at least one user input authorizing thesecond resource activity, transmitting the linked temporal activity datastructure to the first networked device.
 16. The computer programproduct of claim 14, wherein transmitting the linked temporal activitydata structure to the first networked device further comprises:presenting the linked temporal activity data structure associated withthe first resource activity and the second resource activity,comprising: modifying, dynamically, an existing presentation associatedwith the first resource activity on a display device of the firstnetworked device by inserting a presentation associated with the secondresource activity; and configuring the first networked device forperforming the at least one resource transfer associated with the firstresource activity, the second resource activity, and the third resourceactivity.
 17. The computer program product of claim 14, whereindetermining that the second resource activity comprises the user nexuswith the first resource activity further comprises: analyzing a prioruser activity log associated with the user; identifying a prior firstresource activity associated with the first networked device in theprior user activity log; identifying a prior second resource activityassociated from the prior user activity log; and in response to at leastdetermining that the prior second resource activity occurred at a timewithin a predetermined time interval from the prior first resourceactivity, (i) selecting the prior second resource activity as the secondresource activity, and (ii) determining that the second resourceactivity comprises the user nexus with the first resource activity. 18.A computer-implemented method for combination of temporal resourceactivity data and resource transmission, the computer-implemented methodcomprising: receive, via a first operative communication channel, afirst trigger signal from a first networked device of the plurality ofnetworked devices at a first time interval, wherein the first triggersignal comprises a first activity data structure; based on analyzing thefirst trigger signal, identifying a first resource activity initiated bya user at the first networked device at the first time interval;determining a second resource activity associated with the user suchthat the second resource activity comprises a first user nexus with thefirst resource activity, and the second resource activity is associatedwith a second time interval succeeding the first time interval, whereindetermining the second resource activity further comprises determiningthe first user nexus based on one or more technical characteristics ofthe first resource activity and the second resource activity comprisingtemporal activity information, geographic information, activity type,prior activity log, and/or future activity schedule; determining a thirdresource activity associated with the user such that the third resourceactivity comprises a second user nexus with the first resource activityand the third resource activity is associated with a third time intervalsucceeding the first time interval, wherein determining the thirdresource activity further comprises determining the second user nexusbased on one or more technical characteristics of the second resourceactivity and the third resource activity comprising temporal activityinformation, geographic information, activity type, prior activity log,and/or future activity schedule; constructing a linked temporal activitydata structure comprising data associated with the second resourceactivity and the third resource activity linked with data associatedwith the first resource activity; transmitting, via a first operativecommunication channel, the linked temporal activity data structure tothe first networked device to modify the first resource activity suchthat the second resource activity and the third resource activity areinitiated concurrently with the first resource activity; andtransmitting, a control signal to a mobile device associated with theuser based on completion of the first resource activity, the secondresource activity, and the third resource activity prior to the secondtime interval associated with the second resource activity and the thirdtime interval associated with the third resource activity.
 19. Thecomputer-implemented method of claim 18, wherein transmitting the linkedtemporal activity data structure to the first networked device furthercomprises: displaying, at the mobile device, a user interface associatedwith the first resource activity and the second resource activity;receive, via the mobile device, at least one user input associated withauthorizing the second resource activity; and in response to receivingthe at least one user input authorizing the second resource activity,transmitting the linked temporal activity data structure to the firstnetworked device.
 20. The computer-implemented method of claim 18,wherein transmitting the linked temporal activity data structure to thefirst networked device further comprises: presenting the linked temporalactivity data structure associated with the first resource activity andthe second resource activity, comprising: modifying, dynamically, anexisting presentation associated with the first resource activity on adisplay device of the first networked device by inserting a presentationassociated with the second resource activity; and configuring the firstnetworked device for performing the at least one resource transferassociated with the first resource activity, the second resourceactivity, and the third resource activity.